Courier Business Insurance Coverage Checklist
The coverages a courier business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for same-day and on-demand couriers. Priorities reflect typical exposure; confirm against driver model and cargo type.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Hired & Non-Owned Auto | Covers the company when contractor drivers crash in their own cars. | Core | |
| Commercial Auto | Covers company-owned vehicles. | Situational | |
| Cargo / Bailee Coverage | Covers packages, documents, and specimens in the courier's care. | Core | |
| Professional / E&O | Covers missed deadlines and chain-of-custody errors. | Prevalent | |
| Cyber Liability | Covers HIPAA data for medical deliveries. | Situational | |
| Occupational Accident / Workers' Compensation | Covers driver injuries; contractor models may need occupational accident. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is auto coverage for contractor drivers. Couriers often rely on drivers in their own cars, whose personal policies may exclude business deliveries — leaving the courier company as the target after a crash. Hired and non-owned auto coverage, proof of drivers' business-use coverage, and a classification review in each state close most of the gap.
Send us the checklist and we'll review your courier business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Courier Business Insurance · Courier Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a courier business business need?
The core coverages for a courier business business are Hired & Non-Owned Auto, Cargo / Bailee Coverage, Occupational Accident / Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my courier business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.